Bought two reclining sofas 2 years ago happy with them until the one chairs foam started to lose its shape and not reform. Having taken out additional insurance which states we are covered for " Loss of resilience to foam and fibre interiors." I asked for the cushions to be replaced so the sent out an inspector who reported that it was fair wear and tear. I complained and they sent another inspector out (Mechanical Breakdown & General Insurance Services Ltd ) who told me that the foam had failed and he would report that and we would be contacted on how a repair would be carried out. He also mentioned in the report that I was of middle built stature. After a few weeks I emailed again and was told claim refused as it was fair ware and tear .. I have asked where to go from there and waiting for a reply. Got to ask...What is the definition of fair wear and tear on a sofa. We sit on it for 3 hours on evening and I`m middle built stature. Surely that`s a low average. We have no kids to jump on it and no pets. Our insurance is for 5 years ...should the sofa last that long before the foam fails ? Claim Reference: 410622